Home repairs and updates can be a lot of fun. Many homeowners look forward to painting a room or replacing the flooring in the kitchen, but not all repairs are so unassuming.

Some repairs come out of nowhere, and learning how much they cost can be a huge surprise. Fortunately, home repair loans can help, but only if you have an idea of what kinds of repairs your home is going to need.

Here are four common home repairs you need to keep an eye on so they don’t take you and your bank account by surprise.

Replacing the HVAC System

Your HVAC system is something you probably don’t think much about. That is, until it breaks on the hottest day of the year.

When you first look into systems and discover that they only cost a few thousand dollars, you may feel relieved. But, that doesn’t account for professional installation. In order to have the system installed correctly, you could end up paying up to $8,000.

It pays to maintain your system to avoid these costs:

Replace your filter every 90 days

Hire an HVAC professional to inspect the unit every six months

Plan for a replacement instead of waiting until your system breaks

Replacing Your Roof

Your roof protects your home and your foundation from water damage. It’s a shame that most roofs don’t get the attention they deserve.

A complete roof installation is expensive. The national average is $7,100, and that doesn’t count what you’ll pay if other repairs need to be made to your home due to water damage.

Repairs are much more affordable, but that requires you to keep a closer eye on your roof by inspecting it biannually.

Replacing Your Septic System

Do you know how to use your septic system? If you flush the wrong chemicals or fail to pump out your tank, you could be in for a big surprise to the tune of up to $15,000.

If your home uses a septic system, call in an inspector once a year. It’s a lot better to follow their maintenance recommendations than it is to deal with sewage in your yard.

Mold Remediation and Repair

Mold poses a real danger in many homes, and because you can’t see it, you may not know there’s a problem until it’s too late. A severe infestation can end up costing you thousands of dollars in treatment fees, in addition to what it costs to remodel the affected area.

If your home has experienced any kind of moisture leak, you need to call in a professional. Don’t wait until your basement is full of the stuff before you take action.

Part of being a responsible homeowner is taking care of your property. That means making a repair when it’s needed, but by keeping an eye open for these common, costly repairs, you can maintain your home and save thousands of dollars in the process.